Each year, more cars hit our roads and freeways. As this number goes up, the chances of a car wreck will also go up. If you get in a car wreck, the auto insurance you have can make a big difference in how much you have to pay. But why do you need insurance and exactly how much should you buy? Your insurance may be able to pay for car crash expenses ranging from hospital bills to replacement costs. Without insurance, you risk having to pay the full price of any harm or injury you cause others. Liability: Pays for expenses due to bodily injury and damage to property when you are responsible. It also covers your defense and court costs if you are sued. Recommended, more comprehensive levels of insurance are available that take care of more than the lower, state-mandated insurance. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, no matter who was at fault in the accident. It is required in some states and optional in others. Local law usually sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in non-no-fault states and will pay no matter who is responsible for the accident. This insurance will pay for all insured person's reasonable and necessary medical or funeral expenses for bodily injury from a crash. Collision: Damages that occur from a collision will be covered under this type of insurance. Comprehensive: This type of insurance covers any damages not caused by a collision. This could include fire and wind damage, vandalism, and theft. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without purchasing the right amount of insurance. This insurance will cover you if one of these drivers hit you. Under-Insured Motorist: This pays for collision expenses when a driver with insurance is in a crash caused by a driver who does not have the right amount of insurance to cover the full cost of the damages. Other policies, like emergency road service, are also available. Your auto insurance payments vary by company and will depend on multiple factors, including: *Your desired coverage *Your vehicle's make and model * Your driving record * Your age, gender and marital status * The place where you live Many people think of auto insurance as a necessary evil, but it can rescue your finances. Review your needs, research your options, and with the help of your insurance agency, choose the option that best suits you. State Farm Clermont
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